consumer-finance

Welcome to the 'Havoc' Phase of Fintech Disruption

04/04/16

Recent devaluations of startups and other signs of trouble do not mean the end of fintech upheaval but rather the start of acquisitions and other repositioning to advance stability.

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Bank Leadership Must Be Earned, Not Announced

04/01/16

What makes a true leader is particularly relevant to the banking industry, in which the leading institutions and key individuals are not always defined by asset size.

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The Case for a CFPB Commission

03/18/16

Creating a bipartisan commission to manage the Consumer Financial Protection Bureau will make the agency's rules longer-lasting and place needed checks on the director's authority.

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Time to End the Monopoly Over Manufactured Housing

02/23/16

Meaningful rules encouraging Fannie and Freddie to do more with manufactured housing would allow more lenders into the market and make pricing more competitive.

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Alternative Lenders Play with Fire by Discarding FICO

02/11/16

Disruption in credit scoring is healthy, but the new models touted by marketplace and other alternative lenders are still untested, especially about how loans will perform in a downturn.

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CFPB's Auto Finance Push Hurts Consumers

01/25/16

The way the Consumer Financial Protection Agency is regulating the auto finance industry's relationships with dealers is simply wrong Â-- both legally and ethically Â-- according to Blair Evans of Baker Donelson. It's also directly counterproductive to its goal of protecting consumers, she says.

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Don't Ignore Your Customers' Own Surging Liquidity

01/13/16

The opportunity for banks from the dramatic growth in deposits goes beyond just funding loans.

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Bowie's Name Was a Signal of Banking Innovation

01/11/16

David Bowie was a legend in the music industry, but his name was also a presence in financial services, where his identity was synonymous with innovation.

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A Plan to Help the Poor with Cheaper Remittances

01/01/16

Dilip Ratha, an economist at the World Bank, shows how the power of a simple remittance sent from one family member to another could be magnified to improve the lives of poor people.

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What Banks Can Learn from Nobel Economics Winner

12/10/15

Angus Deaton's efforts to improve understanding of poverty have helped opened the door to financial services firms meeting the market demands of the world's poor.

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